Mortgage broker in Chelmsford

Yes. Count Ready's address is Unit 10, Robjohns House, Navigation Road, Chelmsford CM2 6ND. Advice is available by phone and online for clients across England. Face-to-face appointments may be available in some circumstances; contact us before travelling to discuss arrangements.

A mortgage broker reviews your circumstances, compares options from the lenders they can access and explains a suitable recommendation. Count Ready can also help prepare the application and deal with lender questions. The lender decides whether to approve the mortgage after its affordability, credit, property and underwriting checks.

We usually charge a fee of £595 on mortgage offer, but we will agree our fees with you before undertaking any chargeable work. We may also receive commission from the lender. Ask about the fee for your particular case and any separate product, valuation, legal or early repayment costs.

We can review sole trader, company director, contractor and other variable-income circumstances. Lenders differ in how they assess income and the evidence they require. Relevant information can include trading history, accounts, tax calculations, contracts and recent bank statements. The available options depend on the full case and the lender's criteria.

Yes, you can discuss your circumstances with us. The type, amount and age of credit issues, recent payment conduct, income, deposit and property can affect which lenders may consider an application. Bad credit does not lead to the same outcome in every case, and mortgage approval cannot be guaranteed.

We can review buy-to-let options, including the proposed rent, deposit, property and whether you are borrowing personally or through a company. Lender criteria and costs vary. Tax and ownership decisions may require advice from your accountant or solicitor. Some business buy-to-let mortgages are not regulated by the FCA.

It is useful to review your mortgage before the current deal ends, so there is time to compare an existing-lender option with a move to another lender. The right application timing depends on product availability, the lender's offer period, legal work and any early repayment charge. Have your deal end date and current balance to hand.

Some products may be portable, but transferring a mortgage to another property is subject to the lender's checks and approval. Additional borrowing may be on a separate product. We can compare porting with taking a new mortgage, including any early repayment charges and the timing of your move.

Typically, a lender will ask for identification, address and income evidence, bank statements, deposit-source evidence and information about the property. Self-employed, buy-to-let and more complex cases can need additional documents. We explain the list relevant to your circumstances and lender; you do not need every document for an initial conversation.

Count Ready can discuss life insurance, critical illness cover and income protection alongside your mortgage needs. These policies cover different risks. Suitable cover depends on your circumstances, budget and existing arrangements, and acceptance is subject to the insurer's underwriting. Your adviser can explain the benefits, exclusions, costs and policy conditions.